It depends on whether you're running end-game instances. It'll be noticeable when every last bit counts, perhaps, but in the rest of the game you probably won't notice.
As a level 1 burglar, Bilbo got a pony when he joined the Smaug The Dragon raid. Then he asked for leadership, looted the chest, assigned himself the 1st age Arkenstone and mailed it to an alt (Bilbo's a VIP so can mail from anywhere). They did some PvMP and an Epic Battle, then he apologized and gave the Arkenstone back. He kept the pony.